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  • FIRST POST
    • marmiterulesok
    • By marmiterulesok 2nd Dec 17, 5:43 PM
    • 7,794Posts
    • 35,442Thanks
    marmiterulesok
    'I will take control again/savings diary.
    • #1
    • 2nd Dec 17, 5:43 PM
    'I will take control again/savings diary. 2nd Dec 17 at 5:43 PM
    Well, my savings are almost gone.I've spend a hell of a lot of money recently on a variety of things.Now,i have to draw in the purse strings,budget like a mad woman and start saving again as much as possible.

    Today I spent almost 20 francs on groceries.
    Hopefully tomorrow will be an NSD.
    That's the plan anyway.

    I've sorted out my budget and got money for various things in envelopes ie grocery,pension,toiletries etc.Most importantly, I have removed my cards from my purse, which will make a massive difference.

    When I pay my CC bill at the beginning of January, it might be the first time ever that I can't pay it all off in one go.
    Oh the shame.
    I MIGHT manage to pay it all off.We shall see.
    Last edited by marmiterulesok; 15-08-2018 at 9:25 PM.
    NSD October 19/22
    Budgeting again in earnest,no excuses
    'Keep plodding,one day at a time'
    Savings: 911/2500chf
Page 2
    • beanielou
    • By beanielou 12th Aug 18, 9:03 PM
    • 58,921 Posts
    • 244,653 Thanks
    beanielou
    Glad to see that you are now debt free.
    Remember to still give yourself a wee treat now & then.
    As we have said it is so hard when we only have one income stream.
    Most of my friends have a lot more income than me which is also hard.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • beanielou
    • By beanielou 12th Aug 18, 9:05 PM
    • 58,921 Posts
    • 244,653 Thanks
    beanielou
    Also enjoy having your visitors
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • marmiterulesok
    • By marmiterulesok 13th Aug 18, 1:44 PM
    • 7,794 Posts
    • 35,442 Thanks
    marmiterulesok
    Glad to see that you are now debt free.
    Remember to still give yourself a wee treat now & then.
    As we have said it is so hard when we only have one income stream.
    Most of my friends have a lot more income than me which is also hard.
    Originally posted by beanielou
    Thanks.
    It's not always easy on a single budget;you're right.
    I suppose buying that book for my Kindle yesterday was a treat. :-)

    Also enjoy having your visitors
    Originally posted by beanielou
    Thanks!It's the ODs :-)
    NSD October 19/22
    Budgeting again in earnest,no excuses
    'Keep plodding,one day at a time'
    Savings: 911/2500chf
    • marmiterulesok
    • By marmiterulesok 13th Aug 18, 1:45 PM
    • 7,794 Posts
    • 35,442 Thanks
    marmiterulesok
    If all goes to plan,I'll have 400f extra at the end of the month to put in my savings acc.
    NSD October 19/22
    Budgeting again in earnest,no excuses
    'Keep plodding,one day at a time'
    Savings: 911/2500chf
    • marmiterulesok
    • By marmiterulesok 13th Aug 18, 1:54 PM
    • 7,794 Posts
    • 35,442 Thanks
    marmiterulesok
    I've decided that my goal will be to save 5000f over the coming months.Idk how long this will take me.
    So far I have saved 106f.
    NSD October 19/22
    Budgeting again in earnest,no excuses
    'Keep plodding,one day at a time'
    Savings: 911/2500chf
    • beanielou
    • By beanielou 13th Aug 18, 6:13 PM
    • 58,921 Posts
    • 244,653 Thanks
    beanielou
    Sorry, what is OD's?
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • marmiterulesok
    • By marmiterulesok 13th Aug 18, 6:22 PM
    • 7,794 Posts
    • 35,442 Thanks
    marmiterulesok
    Sorry, what is OD's?
    Originally posted by beanielou
    The Old Dears ...my parents.
    NSD October 19/22
    Budgeting again in earnest,no excuses
    'Keep plodding,one day at a time'
    Savings: 911/2500chf
    • marmiterulesok
    • By marmiterulesok 18th Aug 18, 5:05 AM
    • 7,794 Posts
    • 35,442 Thanks
    marmiterulesok
    Well,I have made some money by selling my iPad and a few other things.I'll add it to my total once it's in the bank.
    NSD October 19/22
    Budgeting again in earnest,no excuses
    'Keep plodding,one day at a time'
    Savings: 911/2500chf
    • beanielou
    • By beanielou 18th Aug 18, 12:49 PM
    • 58,921 Posts
    • 244,653 Thanks
    beanielou
    Well done you
    You are on a roll
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • marmiterulesok
    • By marmiterulesok 18th Aug 18, 1:04 PM
    • 7,794 Posts
    • 35,442 Thanks
    marmiterulesok
    Well done you
    You are on a roll
    Originally posted by beanielou
    Thank you!Yes,it feels good :-)
    NSD October 19/22
    Budgeting again in earnest,no excuses
    'Keep plodding,one day at a time'
    Savings: 911/2500chf
    • marmiterulesok
    • By marmiterulesok 4th Sep 18, 2:17 PM
    • 7,794 Posts
    • 35,442 Thanks
    marmiterulesok
    Hoping to save 500 francs this month.It'll be a bit tight but I should manage.
    NSD October 19/22
    Budgeting again in earnest,no excuses
    'Keep plodding,one day at a time'
    Savings: 911/2500chf
    • marmiterulesok
    • By marmiterulesok 4th Sep 18, 2:32 PM
    • 7,794 Posts
    • 35,442 Thanks
    marmiterulesok
    I'm really doing well with the NSDs too.Hoping to get 26 this month minimum.I don't count budgeted spends,dds,bills or the bus/swimming.
    NSD October 19/22
    Budgeting again in earnest,no excuses
    'Keep plodding,one day at a time'
    Savings: 911/2500chf
    • beanielou
    • By beanielou 4th Sep 18, 7:58 PM
    • 58,921 Posts
    • 244,653 Thanks
    beanielou
    YOu are on fire
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • marmiterulesok
    • By marmiterulesok 4th Sep 18, 9:32 PM
    • 7,794 Posts
    • 35,442 Thanks
    marmiterulesok
    YOu are on fire
    Originally posted by beanielou
    Thank you!
    NSD October 19/22
    Budgeting again in earnest,no excuses
    'Keep plodding,one day at a time'
    Savings: 911/2500chf
    • marmiterulesok
    • By marmiterulesok 5th Sep 18, 9:20 AM
    • 7,794 Posts
    • 35,442 Thanks
    marmiterulesok
    Hoping to save 500 francs this month.It'll be a bit tight but I should manage.
    Originally posted by marmiterulesok
    I've transferred 300f to my savings account.I'll transfer the other 200f at the end of the month.
    NSD October 19/22
    Budgeting again in earnest,no excuses
    'Keep plodding,one day at a time'
    Savings: 911/2500chf
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